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Niarada CDP, MT

ZIP 59845 — Housing & Real Estate

Source: U.S. Census Bureau ACS 2019–2023 5-Year Estimates. Page data updated 2026-08-02.

Low Income AreaLow Snow AreaRemote Work Hub

Home values, rent, tenure, and housing stock

Housing & Real Estate in ZIP Code 59845

Median Home Value
$174,200
Median Rent
$521
Affordability Snapshot
$48,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$1,119/mo PITI).

20%
Rent-to-Income Ratio

Below the 30% threshold — generally affordable for median earners.

5.5x
Home Price-to-Income Ratio

Well above the 3-5x guideline — challenging for first-time buyers.

27.9 yrs
Price-to-Rent Ratio

Years to break even buying vs renting at median home value and rent.

To comfortably buy a median-priced home in ZIP 59845 in Niarada CDP, MT, a household would need roughly $48,000 in annual income under a 20% down, 30-year loan at 6.8% (illustrative), keeping housing costs near 28% of income. Estimated monthly PITI is about $1,119. That is about 53% above the local median household income ($31,458), so the median earner would likely stretch or need a larger down payment. Rates, taxes, insurance, and HOA fees vary — treat this as a planning estimate, not a lender quote.

Housing Tenure

Vacancy rate 22% — check local market conditions.

Heating Fuel
Housing Metrics
Owner Occupied
69.7%+7% vs US avg
x
Vacancy Rate
21.8%+111% vs US avg
x
Broadband Access
75.0%-14% vs US avg
x
4+ Bedrooms
3.6%-75% vs US avg
x
Built Pre-1939
10.5%-18% vs US avg
x
Built Post-2014
0.0%
x
Rent Burden >30%
27.6%-44% vs US avg
x
Mortgage-Free
66.5%+74% vs US avg
x
$174,200
Home Value
$521
Rent
1966
Year Built
2013
Moved In

Residents have lived here since ~2013 on average

Housing Structure

Census ACS structure types (single-family, multi-unit, etc.).

  • 1-unit detached78.5%
  • 1-unit attached1.4%
  • 2-9 units4.0%
  • 10+ units2.6%
  • Mobile home & other13.4%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$174,200
Median rent$521
Owner-occupied69.7%
Vacant21.8%
Price-to-income5.5x
Est. income to buy$48,000